candor

the quality of being
honest and straightforward

Source: Vocabulary.com

We put your interests first in everything we do. As a Registered Investment Adviser, we must adhere to a fiduciary standard of care laid out in the US Investment Advisers Act of 1940. This standard requires investment advisers to act with the client's best interests in mind. We do not accept commissions and do not receive or pay referral fees. Our revenues come solely from fees we charge you. This compensation structure ensures that your interests are our priority.

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We regard effective planning as the foundation for sound asset allocation and portfolio management.By first focusing on your wants and needs, our recommendations are tailored to you and aligned with your objectives.

We practice the golden rule in communicating with you.

We seek to answer your questions and provide you the data and perspective(s) that we would want communicated if we were in your shoes. This orientation enables you to make more informed financial decisions.We believe that clients are best served through focusing on value investing principles and a long-term time investment horizon.We address risk aversion, changing economic conditions and/or short term liquidity needs through proper asset allocation. Our framework is designed to help you achieve your financial objectives in way that allows you to sleep at night.

We focus on the controllable items that make it more likely that your goals will be achieved.We pay particular attention to:

Investment turnover

Transaction and management fees

Taxes*

Potential savings from these items can make a difference. Lowering investment turnover, which is the percentage of your portfolio sold over a given time period, saves you in transaction costs and taxes. Paying low trading commissions and investment management fees helps you save money each and every year. Thoughtfully managing your investment holding periods can help you defer long-term gains and recognize short-term losses, enabling you to enjoy tax savings. These three factors can help you improve your investment return each year.

This is a hypothetical example that demonstrates a mathematical principle. It does not illustrate any investment products and does not show past or future performance of any specific investment.

The chart below illustrates the power of compounding and how small changes in investment returns can have a noticeable impact on your wealth over time. In this example we assume you invest $100,000 in the beginning, and we compare how much the one-time investment has grown to over 5, 10, 20, 30 and 50 years. The results are compelling. For example, if you invest $100,000, hold it for ten years and earn a 6% return instead of a 5% return, you would have $16,195 more (boxed in the second table below) in your portfolio at the end of the tenth year.